Credit union · NCUA insured
CAPE Federal Credit Union Savings Rates
CAPE Federal Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How CAPE Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Clarksburg, WV, where CAPE Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
CAPE Federal Credit Union
0.15%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $15
Money Market Account
Top rate
Justice Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $400
2nd-highest rate
West Union Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $400
CAPE Federal Credit Union savings score
66
Savings score
Higher than 17% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where CAPE Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.15%APY
$2,500 minimum balance to earn dividends. No monthly service or maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.00% | — |
| $2,500 – $14,999 | 0.15% | $15 |
| $15,000 – $49,999 | 0.20% | — |
| $50,000 and up | 0.25% | — |
Share Savings Account
0.05%APY
All members of CAPE CU are required to have an active Share Savings Account in order to be members of the Credit Union. Earn dividends on your savings. $50 minimum balance required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and up$50 minimum balance required for Share Savings Account to earn dividends.$50 and up | 0.05% | $5 | $50 minimum balance required for Share Savings Account to earn dividends. |
Special-purpose accounts
Christmas Club Account
1.00%APY
Save for the holidays with deposits all year long, then transferred to Checking Account right before the holidays. No minimum balance required. $100 weekly maximum deposit. Option to open account between October – January.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. $100 weekly maximum deposit. Option to open account between October – January. Transferred to checking account before the holidays.Any balance | 1.00% | $100 | No minimum balance required. $100 weekly maximum deposit. Option to open account between October – January. Transferred to checking account before the holidays. |
Share Savings IRA (Traditional & Roth)
0.10%APY
Traditional & Roth IRAs available. No setup fees. No monthly or annual service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional & Roth IRAs available. No set up fees. No monthly or annual service charge.Any balance | 0.10% | $10 | Traditional & Roth IRAs available. No set up fees. No monthly or annual service charge. |
Vacation Club Account
0.05%APY
No minimum balance required. $100 weekly maximum deposit. Open anytime during the year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required. $100 weekly maximum deposit.Any balance | 0.05% | $5 | No minimum balance required. $100 weekly maximum deposit. |
Who can join CAPE Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Harrison County, West Virginia are eligible to join.
Employers and groups
- Organizations of persons within the field of membership are eligible to join.
- Employees of approved Select Employee Groups (SEGs) are eligible to join.
Military, government and schools
- Employees of the Credit Union are eligible to join.
Family and household
- Members of immediate families or households of eligible persons are eligible to join.
- Spouses of persons who died while within the field of membership of the Credit Union are eligible to join.
Cost to join
- A minimum opening deposit of $10.00 into a Primary Savings Account is required.
- A one-time membership fee of $1.00 is required.
Membership information collected October 4, 2026.